The Platinum Aura Edge Credit Card from IndusInd Bank isn’t just a payment tool—it’s a lifestyle partner designed to bring you security, savings, and rewards in your day-to-day life. From air accident insurance to cashback, from shopping rewards to global acceptance, it offers a balanced mix of benefits for smart spenders who want a bit of everything. Here’s a detailed look at what you get—A to Z.
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🅰 Air Accident & Travel Insurance
Travel with peace of mind—get personal air accident cover up to ₹25 lakh during air travel.
Extra protection through Oriental Insurance includes:
Lost baggage: up to ₹1 lakh
Delayed baggage: ₹25,000
Lost passport: ₹50,000
Lost ticket/missed connection: ₹25,000 each
🅱 BookMyShow Cinema Ticket
Enjoy 1 complimentary movie ticket worth ₹200 every six months—perfect for a casual movie night treat.
🅲 Cashback
Earn 1% cashback on retail spends up to ₹10,000 per statement cycle—simple, direct savings.
🅳 Contactless Payments
Tap-and-go convenience at over 10 lakh outlets in India and 30 million+ worldwide—fast, secure, and easy.
🅴 EMI Conversion
Turn large purchases into easy EMIs at just 1.1% per month, with zero processing fees.
🅵 Fuel Surcharge Waiver
Save more at the pump—1% fuel surcharge waiver on transactions between ₹400–₹3,000 (up to ₹100/month) anywhere in India.
🅶 Global Acceptance
Use your card abroad without limits—ideal for international shopping or travel.
🅷 Home Plan (Rewards)
Customize rewards to match your lifestyle:
4 pts/₹100 on groceries
1.4 pts on utilities & insurance
1.5 pts on medical spends
0.5 pts on others
🅸 Interest-Free Credit Period
Get up to 50 days interest-free—just pay your full dues on time.
🅹 Joining Fee
₹999 + GST joining & renewal fee—waived if you spend ₹1 lakh in a year.
🅺 Key Protect & Total Protect
Complete fraud protection—covers lost or counterfeited cards, with a 48-hour retroactive window, up to your credit limit.
🅻 Lifetime-Free Option
Select campaigns offer this card as lifetime free—no joining or annual fee.
🅼 Movie, Dining & Party Plan (Rewards)
Choose the Party Plan for:
4 pts/₹100 on restaurants
2 pts on departmental stores & bars
1.5 pts on movie tickets
0.5 pts on others
🅽 Nil Fuel Points
No reward points earned on fuel transactions—common across many cards.
🅾 Optional Vouchagram Welcome Gifts
On paid fee plans, get welcome vouchers from Amazon, Flipkart, Ola, Uber, Zee5, Bata, and more.
🅿 Priority Support & Concierge
Basic concierge services for dining/travel arrangements—handy, though not as premium as higher-tier IndusInd cards.
🆀 Redemption Options
Use your reward points your way:
Cash credit (₹0.35–₹0.50 per point)
Gift vouchers & merchandise
Air miles: 100 pts → 100 InterMiles or 50 Club Vistara points
Pay-with-rewards for utilities/statement (up to 25% limit)
🆁 Reward Plans & Earning
Pick from four plans—Shop, Home, Travel, or Party—with up to 4 pts/₹100 in category spends and 0.5 pts on others.
🆂 Security Features
EMV chip security, fraud insurance, and zero liability if reported promptly.
🆃 Travel Insurance
Already included under 🅰, covering baggage, passport loss, and missed connections.
🆄 Utility Payments
Earn points on utilities—mobile, electricity, DTH, insurance—based on your chosen plan.
🆅 Vouchers via Vouchagram
Get access to popular brand vouchers when you sign up under paid variants.
🆆 Welcome Benefits
Select paid plans include e-gift vouchers (Amazon, Flipkart, Ola, etc.) and EazyDiner discounts.
🆇 Xpress Redemption
Redeem points instantly via the rewards portal—cash credit, vouchers, or air miles.
🆈 Year-Round Offers
Ongoing deals across dining, shopping, travel, and utilities through IndusInd and Vouchagram tie-ups.
🆉 Zero Hidden Fees
Transparent charges—fuel waiver auto-applied, and no surprise costs if you stick to the rules.
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Best Ways to Maximize Your IndusInd Platinum Aura Edge Credit Card
1️⃣ Pick the Perfect Reward Plan for Your Lifestyle
Match your spending habits with the right plan to earn more points:
Shop Plan – 4 pts/₹100 on department stores, electronics, dining & books.
Home Plan – 4 pts/₹100 on groceries, bill payments, medical & utilities.
Travel Plan – 4 pts/₹100 on hotels, 2.5 pts on flights, plus perks on car rentals & rail.
Party Plan – 4 pts/₹100 at restaurants, 2 pts on pubs & nightlife, 1.5 pts on movies.
2️⃣ Save More on Fuel
Get 1% fuel surcharge waiver at Indian fuel stations for transactions between ₹500–₹3,000 (max waiver ₹100/month).
3️⃣ Redeem Rewards Smartly
Redeem points via IndusMoments for:
Cash credit (₹0.50 per point; some plans offer ₹0.35)
Gift vouchers, merchandise, or airline miles (e.g., InterMiles)
Note: ₹100+GST redemption fee applies & cash conversion is capped at 2,500 points/month (from Sept 2024).
Conclusion
The IndusInd Bank Platinum Aura Edge Credit Card is a versatile and well-rounded choice for everyday spending, offering a healthy mix of rewards, travel benefits, and protection features. Whether you’re a frequent traveler, a savvy shopper, or a foodie, the customizable reward plans ensure you earn maximum value for your lifestyle. With its combination of global acceptance, security, and easy redemption options, this card can truly be your everyday lifestyle companion.
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